Host Liquor Liability Insurance

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Does Your Business Need Host Liquor Liability Insurance?

Host liquor liability insurance is an extra layer of protection if you’re hosting an event and allowing alcohol to be served, but you don’t need coverage as the owner of the venue. In most states, even providing alcohol at an event can leave you on the hook for claims. What kind of claims? Well, consider someone who had alcohol at your event and damaged the venue or got in a car accident. This could come back on you and without host liquor liability insurance, you may have to pay attorney fees or claim awards. 

That being said, if you are a venue owner, you’ll need a policy that covers the whole venue. If that sounds like something you need, contact our agents today

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Comprehensive Host Liquor Liability Insurance

No two businesses are the same. Your business faces a unique set of risks that require a unique combination of insurance policies. With Insurance Canopy, you can create a customized, comprehensive host liquor liability insurance plan that’s perfect for your business needs.

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Host Liquor Liability Insurance

Just one host liquor liability claim could cost your business hundreds of thousands of dollars and damage your reputation. Insurance Canopy’s host liquor insurance is designed to protect your business from the financial impact of liquor liability claims.

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A+ Rated Host Liquor Liability Insurance

Insurance Canopy provides business owners like you with high-quality host liquor liability insurance that doesn’t break the bank. With general and liquor liability, business equipment coverage, and more, you can rest easy knowing you have the protection you need.

Host Liquor Coverage Details

Basic Coverage Limits Shown Below

The most your policy will pay for bodily injury and property damage claims that you become legally obligated to pay.


The maximum amount your policy will pay for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.


The amount that your policy will pay for claims arising out of one or more of the following offenses: – False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement.


The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay.


Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.


Reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.


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Host Liquor Liability Insurance

Even if your business does not sell or furnish alcohol, you can still be held liable for accidents caused by intoxicated individuals as long as you allow the selling and consumption of alcohol at your event. Events can include corporate parties, weddings, birthday parties, etc. With Canopy’s host liquor insurance, you can protect your business from the cost of insurance claims with a short-term liquor liability event policy. This policy can be used for a few days of coverage and is perfect for anyone hosting an event where alcohol will be served.

Insurance Canopy’s liquor liability event insurance includes:

  • Short-term event policy starting at $75
  • General and liquor liability insurance

Host Liquor Liability vs Liquor Liability Insurance

At any event where alcohol is served, there is likely a host of the event and then there are individuals serving the alcohol. The coverage needed depends on what your role is. Host liquor liability covers businesses or individuals that host events where alcohol will be served but they’re not the actual server. Did you know you could be held liable even if you’re just the host where alcohol is served and not the caterer or bartender serving it? 

Businesses such as bartenders, caterers, party rentals, and event coordinators who include alcohol as part of their business operations for a short amount of time should include host liquor liability in their insurance policy.

If you’re the individual or business actually serving the alcohol, you will need liquor liability insurance to make sure you are covered from any liability. 

Depending on the type of business you own, you will have to invest in either host liquor liability or liquor liability insurance.

Questions About Host Liquor Liability Insurance

Host liquor liability insurance is designed to protect event organizers, venue owners, party hosts, and other businesses the cost of liquor liability claims arising from alcohol-related accidents. To qualify for coverage, your business must not serve alcohol as part of your business operation but still allow the serving and drinking of alcohol on their premises or event. Host liquor liability insurance does not cover businesses that directly sell, manufacture, or furnish alcoholic beverages.

If your business does sell alcohol, you may qualify for liquor liability coverage. Hosts who hire caterers or bartenders to serve alcohol at their event should require them to carry a liquor liability policy and add them as an additional insured.

Yes. As a party or event host, you could be held responsible for your guest’s actions if you serve alcohol.

This includes:

  • BBQs
  • Anniversary, birthday, baby showers, or any other milestone celebrations
  • Company or corporate events
  • Luncheons or dinners

Anyone who suffers bodily injury or property damage by an intoxicated person can sue the person who provided the alcohol. Host liquor liability lawsuits and expenses are substantial and could include criminal charges. Costs sometimes reach into hundreds of thousands of dollars. Even if you are not found negligent, court costs to defend yourself can be expensive.

Your liability may depend upon your state’s social host liability laws. In some states, social host liability laws are similar to the state’s dram shop laws. In other states, there are no specific social host liability laws; however, those states don’t stop you from being sued by the injured person. For this reason, carrying general liability insurance with host liquor coverage is a wise choice, even if it’s not explicitly required of you.

Eighteen states have social host liability laws and nine states have social host laws specific to minors.

The Event Helper offers policies starting at $66 for an event.

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No, host liquor requires the specialty covered by liquor liability insurance. Because of the additional risks associated with serving alcohol, general liability will not cover the risks associated with host liquor. To effectively cover your business, you’ll need a combination of general liability and event liquor insurance.

Host liquor means you throw a party or event where guests can bring their own alcohol. Host liquor insurance is the type of insurance you would need in order to protect yourself from alcohol-related claims. 

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.
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Need additional information before making a decision?

Give our team a call today at 844.520.6993

Host Liquor Liability

Receive the insurance you need to protect your business from the devastating impact of claims.

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